Budgeting Chaos

Budgeting… Such a crazy thing, that sadly not enough people do. I know some people that are seriously like, “I still have checks! That must mean I still have money, right?” Of course, those of us with common sense know that this is simply not true. We wish this was true. Just like the people that dream of the wallet that never runs out of moola. However, this is just not the case.

Have you ever actually sat down and took the time to write out what your monthly expenses and bills are? No, seriously? Everyone should take the time to do this. It’s amazing to find out what you actually owe, and how much you really shell out every single month on a regular basis.

I do this every month. EVERY. SINGLE. MONTH. My husband thinks it’s silly, but it definitely helps with keeping us afloat. I take the time to see exactly how much cheddar we have going out and when it’s going to be going out. That way, when the paycheck (cha-ching!) comes in every two weeks, I go ahead and pay what needs to be paid before the next paycheck comes… (Waah!)

But, you know what else this does??? Huh, huh? Do ya?? It helps me watch as our debt dwindles down each month too. See, here in the future, the goal is to have all that stinkin’ debt paid off and be debt free again. Won’t that be nice? Ah, to be able to say we don’t anyone anything. I CAN’T wait for that day to get here.

Do you do a budget? If you do, why kind of budget do you use? If you don’t, you definitely should. Take some time and just jot down all those monthly expenses. Is there anywhere that you can cut back? Think about it.